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Data-driven stock valuation

Customers Bancorp, Inc. (CUBI) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Customers Bancorp, Inc. stock $57.58, price $84.73, that is 32.0% below the price, quality 58 out of 100. Rating: overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

CB Customers Bancorp, Inc. logo Some data Nov 6, 2026

Customers Bancorp, Inc.

CUBI · US
Solid, but expensive

Our calculation puts a fair price 32% below what the stock costs today.

Healthy Growth (revenue 5y +18.7 %/yr in USD)
Highly profitable · 35.3% net margin (TTM)
Upbeat coverage
Quality 58/100
Mixed vs. peers (8/14)
Wide moat 69/100 · thin data
Insiders bought $72,580 (6M) · sold $26.2M
Some data
Fair value $57.58 · Overvalued (−32.0%)
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$87.49 $16.02 Fair Value $57.58 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.

How to read this chart

60‑month range $16.02 – $87.49 · fair‑value band $52.51 – $69.06 · the $84.73 price screens above the $57.58 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.

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Company profile

Customers Bancorp, Inc. operates as the bank holding company for Customers Bank that provides banking products and services.

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It provides deposit banking products, which includes commercial and consumer checking, non-interest-bearing and interest-bearing demand, MMDA, savings, and time deposit accounts, as well as individual retirement accounts and non-retail time deposits consisting of jumbo certificates.

The company's lending business offers commercial and industrial, commercial real estate, and multifamily and residential mortgage loans; SBA lending; mortgage finance; specialty lending includes fund finance, real estate specialty finance, technology and venture, and healthcare and financial institutions group; commercial loans to mortgage companies, and commercial equipment financing; fund finance, such as variable rate loans secured by collateral pools to private debt funds; and cash management services.

In addition, it provides digital banking, such as Banking-as-a-Service to fintech companies; payments and treasury services to businesses; consumer loans through fintech companies; and the TassatPay, an instant blockchain-based digital payments platform which offers instant payments, including over-the-counter desks, exchanges, liquidity providers, market makers, funds, title companies, and other B2B verticals.

Further, the company offers mobile phone and internet banking, wire transfers, electronic bill payment, lock box, remote deposit capture, courier, merchant processing, cash vault, controlled disbursements, positive pay, and cash management services comprising account reconciliation, collections, and sweep accounts.

The company was founded in 1997 and is headquartered in West Reading, Pennsylvania.

Stock analysis

Customers Bancorp, Inc. (CUBI) currently trades at $84.73, while our model-based Fair Value estimate is $57.58, 32% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $71.11 per share, and 1 of the 4 models we run sit above the $84.73 price.

Bear case: the Asset-Based group reads lowest at $41.81, and 3 of the 4 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $52.51 (bear) to $69.06 (bull), the price of $84.73 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 58/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Customers Bancorp, Inc. reported revenue of $1.4B in FY2025 versus $845M in FY2021, a compound +13.8%/yr. Reported net income was $224M in FY2025, compounding −8.1%/yr from FY2021.

Key figures

Market cap $3.0B Mid · P/E ratio 10.2 · P/S ratio 3.58 · EPS (TTM) $8.30 · Net margin 35.3% · Return on equity 14.3% · Return on assets (EBIT) 1.5% (5-year average) · Operating margin 46.0%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 69 out of 100 (low confidence).

What moves the price

The share trades about 3% below its 52-week high and 33% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −32%, CUBI screens richer than that median.

Fair Value models

Bear $52.51 Fair Value $57.58 Bull $69.06
Price $84.73 · Downside -32.0%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($7.09 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $52.51 $57.58 $69.06 71
P/E Multiple $64.67 $86.23 $107.79 63
P/B Multiple $41.99 $55.98 $69.98 55
All 4 models by family
Multiples
P/E Multiple $64.67 $86.23 $107.79 63
P/B Multiple $41.99 $55.98 $69.98 55
Asset-Based
NCAV (Graham) $31.20 $41.81 $62.40 54
Economic Profit
Residual Income $52.51 $57.58 $69.06 71

Open the full fair value analysis →

Quality Score breakdown

Overall quality 58/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 29
How much profit the company makes from its sales and capital
Quality Growth 66
Are margins and returns getting better?
Cashflow 99
Do the profits arrive as real cash?
Financial strength 1
Debt, balance sheet and risk of trouble
Investment 66
Does it invest with discipline instead of growing at any price?
Low Volatility 44
How calm the share price moves, does not count
Price momentum 50
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 75
Distance to the 52-week high, does not count
New shares 75
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, one officer or director bought shares worth $72,580, on May 12, 2026. Over the same period, 5 people sold shares worth $26.2M.

  • SaleT Lawrence WayDirector49,519 shares at $83.90$4.2MNov 2, 2026
  • SalePhilip WatkinsEVP, Head of Corp Devel & IR3× since Nov 24, 2025: 11,400 shares, avg. $78.03$889,550Nov 2, 2026
  • SaleJay S SidhuExec. Chairman, Director7× since Nov 10, 2025: 386,880 shares, avg. $75.39$29.2MOct 29, 2026
  • SaleAndrea R. AllonDirector10,000 shares at $82.81$828,100Aug 13, 2026
  • SaleLyle CunninghamChief Banking Officer47,914 shares at $75.03$3.6MMay 29, 2026
  • BuySamvir S. SidhuCEO, Director1,000 shares at $72.58$72,580May 12, 2026
  • SaleJessie John Deano VelasquezChief Accounting Officer2,242 shares at $71.05$159,294Dec 9, 2025

Plus 24 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+3.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+16.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.7%
Start year 2020 (pandemic). Over 10 years: +17.7% a year
Revenue growth 17 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+30.1%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+8.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+8.7%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.8.7% vs 12.0%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.32% → 22%
Pace: the 5-year rate starts in 2020 (pandemic)

CUBI screens overvalued: fair value 32% below the price. Compare with China Merchants Bank Co →

Earlier news

News mood ⓘNews mood, the average tone of recent news (97 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
Note from the team Oct 11, 2026
AI conclusion: The specialized cubiX platform for tokenized real estate payments gives a tech edge with digital-asset clients, yet limited moat signals and thin differentiation data remain the core weakness.
Main risk: Regulatory and liquidity risks tied to digital-asset clients could constrain expansion of the tokenized payments business and limit revenue growth.
Customers Bancorp operates cubiX, a platform for tokenized real estate payments over distributed ledger technology, while serving digital-asset clients. After tightening risk controls following a prior Fed enforcement action, the bank now aims to expand wallet share in this area as industry conditions improve. Does the specialized tech edge generate durable revenue growth, or do the associated regulatory and liquidity risks limit the upside?
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks

Beats the industry median on 8/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 58 · Above median
Fair Value upside −32.0% · Below median
Profitability
Return on equity (12 months) 14.3% · Top 25%
Return on assets 0.9% · Below median
Net margin (12 months) 35.3% · Above median
Operating margin (12 months) 46.0% · Above median
Growth and dividend
Revenue growth (quarter YoY) 10.1% · Above median
Balance sheet
Debt / equity 0.81× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 10.2× · Cheaper than median
P/B 1.40× · Pricier than median
P/S (12 months) 3.58× · Pricier than median
Price / free cash flow (fiscal year) 8.9× · Cheaper than median
EV/EBITDA 13.1× · Pricier than median
PEG 1.18× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)51 · sector 47
PAST (return on equity)57 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs CUBI
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs CUBI
BNP Paribas SA BNP €91.93 €106.01 +15% vs CUBI
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs CUBI
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs CUBI
UniCredit S.p.A UCG €76.80 €50.44 −34% vs CUBI
Mizuho Financial Group MFG $9.40 $5.90 −37% vs CUBI
DBS Group D05 69.72 SGD 40.39 SGD −42% vs CUBI
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs CUBI
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs CUBI

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Customers Bancorp, Inc.: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Customers Bancorp, Inc. Fair Value". https://www.fairvalue-calculator.com/stock/CUBI

Frequently asked questions

Is Customers Bancorp, Inc. (CUBI) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $57.58 versus a price of $84.73, about 32% lower (overvalued).
What is the fair value of CUBI?
Our model-based fair value for Customers Bancorp, Inc. is $57.58 (as of Nov 6, 2026), built from audited fundamentals. The current price: $84.73.
What is the quality score of CUBI?
Customers Bancorp, Inc. has a Quality Score of 58/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Customers Bancorp, Inc. (CUBI)?
Our model-based price target is the fair value of $57.58 (as of Nov 6, 2026) from 4 valuation models. Cautious scenario $52.51, optimistic scenario $69.06. It is a calculation from audited fundamentals, not an analyst target.
What is the Customers Bancorp, Inc. stock forecast for 2026?
Our models put fair value at $57.58, about 32% lower versus a price of $84.73 (overvalued). Cautious scenario $52.51, optimistic scenario $69.06. The calculation is refreshed regularly with new filings.
What is the revenue of Customers Bancorp, Inc. (CUBI)?
Customers Bancorp, Inc. reported trailing-twelve-month revenue of about $827M (latest available figure, as of Nov 6, 2026).
Does Customers Bancorp, Inc. pay a dividend?
Customers Bancorp, Inc. does not currently pay a dividend.
What is the intrinsic value of Customers Bancorp, Inc. (CUBI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Customers Bancorp, Inc. it is $57.58 per share (as of Nov 6, 2026), against a price of $84.73. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Customers Bancorp, Inc. stock overvalued or undervalued in 2026?
As of Nov 6, 2026, CUBI trades above its calculated fair value: price $84.73, fair value $57.58, a gap of about −32% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CUBI?
No. The price is what the market pays today ($84.73); the fair value is what the company's own numbers justify ($57.58). For Customers Bancorp, Inc. the two are $27.15 per share apart. That gap is exactly why we show both numbers side by side.
How much is Customers Bancorp, Inc. worth?
The market values Customers Bancorp, Inc. at about $3.0B (market capitalisation, as of Nov 6, 2026). Per share that is $84.73; our models calculate a fair value of $57.58 per share.
What do the bullish and bearish scenarios say about CUBI?
Our models span a range for Customers Bancorp, Inc.: cautious scenario $52.51, base $57.58, optimistic $69.06 per share (as of Nov 6, 2026, price $84.73). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CUBI?
Customers Bancorp, Inc. trades at a price-to-earnings ratio of 10.2 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $57.58 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, 5 of the years ex one-offs: 7.4. Other multiples: PEG 1.2, P/B 1.4, P/S 3.6, EV/EBITDA 13.1.
What is the PEG ratio of CUBI?
The PEG ratio of Customers Bancorp, Inc. is 1.18 (P/E divided by earnings growth, as of Nov 6, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Customers Bancorp, Inc. (CUBI)?
Balance-sheet figures for Customers Bancorp, Inc. (as of Nov 6, 2026): return on equity 14.3%, debt of 0.81 per unit of equity. They feed the Quality Score of 58/100, which measures business quality independently of the share price.
How far is CUBI from its 52-week high?
Customers Bancorp, Inc. trades at $84.73, about 3% below its 52-week high of $87.49 and 33% above the low of $63.94 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $57.58 is for.
Which stocks are comparable to Customers Bancorp, Inc.?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Customers Bancorp, Inc. stock attractive at the current price?
The data as of Nov 6, 2026: price $84.73, calculated fair value $57.58 (−32%), Quality Score 58/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CUBI calculated?
We run Customers Bancorp, Inc. through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $57.58 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Customers Bancorp, Inc. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Customers Bancorp, Inc. (CUBI)?
The closing price on Nov 6, 2026 was $84.73. Our model-based fair value is $57.58, about 32% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Customers Bancorp, Inc. right now?
The price sits above even our optimistic bull case ($69.06). The favourable scenario is already priced in. Solid but not exceptional quality (58/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Customers Bancorp, Inc. (CUBI) come from?
Earnings per share at Customers Bancorp, Inc. grew +13.5 % a year from 2014 to 2025. Broken into its drivers: revenue per share +17.1 %, EBIT margin −4.7 %, tax rate +2.0 %, residual (interest, one-offs) −0.2 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Customers Bancorp, Inc.

How large is the market capitalisation of Customers Bancorp, Inc. (CUBI)?
The market capitalisation of Customers Bancorp, Inc. is $3.0B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Customers Bancorp, Inc. (CUBI)?
The price-to-sales ratio of Customers Bancorp, Inc. is 3.58 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Customers Bancorp, Inc. (CUBI)?
Earnings per share at Customers Bancorp, Inc. are $8.30 (price ÷ EPS = P/E 10.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Customers Bancorp, Inc. (CUBI)?
The net margin of Customers Bancorp, Inc. is 35.3% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Customers Bancorp, Inc. (CUBI)?
The return on equity (ROE) of Customers Bancorp, Inc. is 14.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Customers Bancorp, Inc. (CUBI)?
On an EBIT basis the return on assets of Customers Bancorp, Inc. is 1.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Customers Bancorp, Inc. (CUBI)?
The operating margin of Customers Bancorp, Inc. is 46.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Customers Bancorp, Inc. (CUBI)?
Revenue at Customers Bancorp, Inc. is growing +10.1% versus a year earlier (3y avg +16.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Customers Bancorp, Inc. (CUBI)?
Earnings per share at Customers Bancorp, Inc. are growing +18.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Customers Bancorp, Inc. (CUBI) generate?
The free cash flow of Customers Bancorp, Inc. is $334M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Customers Bancorp, Inc. (CUBI) carry?
The net debt of Customers Bancorp, Inc. is $1.6B (fiscal year 2025, ≈ 4.9 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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